Terms of Service
The Accountant by ohwow
Effective date: May 5, 2026
Important Disclosure
ohwow is not a certified public accounting firm and does not provide services that would require a license to practice public accountancy. ohwow is not a member of the AICPA. The Accountant is automated bookkeeping software. Services do not include audit, attest, examination, verification, investigation, or certification of financial records. Services are not a substitute for and do not include legal, regulatory, tax, financial, investment, or other specialized advice.
Texas residents: This is not a CPA firm and these services are not regulated by the Texas State Board of Public Accountancy.
1. Acceptance of Terms
By accessing or using The Accountant (the “Service”), a product of ohwow (“ohwow,” “we,” or “us”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not access or use the Service. You must be at least 18 years of age to use the Service. The Service is intended for business use only and is not directed to consumers for personal, family, or household purposes. By using the Service, you represent that you are using it on behalf of a business entity and have authority to bind that entity to these Terms.
2. Description of Service
The Accountant is automated bookkeeping software that organizes financial transaction data, categorizes expenses and revenue, and generates financial summaries for internal use. The Service processes transaction data you upload (such as CSV bank and credit card exports), applies AI-assisted categorization, and produces reports including profit and loss summaries and expense breakdowns. All outputs are generated by software and have not been reviewed or certified by a licensed accountant, CPA, or any other licensed professional.
3. Not a CPA Firm; Service Limitations
ohwow is not a certified public accounting firm and does not provide services that would require a license to practice public accountancy. ohwow is not a member of the AICPA.
Services do not include audit, attest, examination, verification, investigation, or certification of financial records. Services are not a substitute for and do not include legal, regulatory, tax, financial, investment, or other specialized advice.
The Service expressly excludes the following:
- Tax advice of any kind, including guidance on deductibility, tax treatment, or tax strategy
- Tax return preparation or tax filing services
- Audit, review, compilation, or any other attest service
- Financial advisory or investment advisory services
- Services requiring a Certified Public Accountant license
- Legal advice or legal services of any kind
- Regulatory compliance determinations
Texas residents: This is not a CPA firm and these services are not regulated by the Texas State Board of Public Accountancy.
You are solely responsible for verifying the accuracy of all software-generated categorizations, reports, and summaries before relying on them for any purpose, including but not limited to tax preparation, financial reporting, or business decisions. We strongly recommend that you engage a licensed CPA or other qualified professional to review your financial records and any outputs generated by the Service.
4. Data and Privacy
Your use of the Service is governed by our Privacy Policy, which is incorporated into these Terms by reference.
Data ownership: You retain full ownership of all financial transaction data, reports, and other content you upload to or generate through the Service. We claim no ownership interest in your data.
License to process: By using the Service, you grant ohwow a limited, non-exclusive license to access, process, and store your data solely for the purpose of providing the Service to you. We do not use your financial data for any other purpose.
No sale of data: We do not sell, rent, or share your financial transaction data or personal information with third parties for advertising, marketing, or any purpose other than providing the Service. See our Privacy Policy for details on subprocessors (cloud infrastructure and payment processors) who access data only under data processing agreements.
5. Acceptable Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Service for any unlawful purpose or in violation of any applicable law or regulation, including laws related to financial fraud, money laundering, or tax evasion
- Upload financial data or other information that you do not own or have the legal right to process
- Attempt to reverse-engineer, decompile, disassemble, or otherwise derive the source code or underlying AI models used in the Service
- Use the Service to process data on behalf of third parties without their knowledge and consent
- Attempt to circumvent or disable any security feature of the Service
- Resell, sublicense, or redistribute access to the Service without written authorization from ohwow
- Use automated means to access the Service in a manner that exceeds normal usage patterns or degrades service for others
6. Payment Terms
The Service is offered on a monthly subscription basis at the rates described on the pricing page at the time of your subscription. Subscription fees are billed in advance at the beginning of each billing period.
Billing: You authorize ohwow to charge your designated payment method on a recurring basis for the subscription fee applicable to your plan. All fees are stated in US dollars and are exclusive of applicable taxes.
Cancellation: You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the then-current billing period. You will retain access to the Service through the end of the paid period.
Refunds: Subscription fees for completed billing months are non-refundable. If you cancel mid-month, you will not receive a refund for the unused portion of the current billing period. ohwow reserves the right to issue refunds or credits at its discretion in exceptional circumstances.
Price changes:ohwow may change subscription pricing upon at least 30 days’ written notice to your registered email address. Your continued use of the Service after a price change takes effect constitutes acceptance of the new pricing.
7. Warranty Disclaimer
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
To the fullest extent permitted by applicable law, ohwow disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
ohwow does not warrant that: (a) the Service will meet your specific business requirements; (b) AI-generated transaction categorizations, expense classifications, or financial summaries will be accurate, complete, or error-free; (c) reports generated by the Service will be suitable for any particular purpose, including tax preparation; (d) the Service will be available without interruption; or (e) defects in the Service will be corrected.
You acknowledge that AI-assisted categorization is probabilistic in nature and may produce incorrect results. You are solely responsible for reviewing and verifying all outputs before relying on them.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL OHWOW, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES.
This exclusion applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise), even if ohwow has been advised of the possibility of such damages. Excluded damages include but are not limited to: loss of profits, loss of revenue, loss of business, loss of data, cost of substitute services, tax penalties or interest arising from reliance on Service outputs, or any other pecuniary or non-pecuniary loss.
Liability cap:In any event, ohwow’s total aggregate liability to you for all claims arising out of or relating to the Service or these Terms, regardless of the form of action, shall not exceed the total fees actually paid by you to ohwow in the twelve (12) months immediately preceding the event giving rise to the claim.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain types of damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by applicable law.
9. Indemnification
You agree to indemnify, defend, and hold harmless ohwow, its officers, directors, employees, agents, successors, and assigns from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service in violation of these Terms; (b) your use of any outputs generated by the Service in a manner that violates applicable law or the rights of any third party; (c) any financial, tax, or regulatory decision you make based on Service outputs without independent professional review; (d) your violation of any applicable law or regulation; or (e) any breach by you of any representation or warranty made in these Terms.
10. Dispute Resolution; Arbitration; Class Action Waiver
Informal resolution first. Before initiating any formal dispute proceeding, you agree to contact us at legal@ohwow.fun and provide a written description of the dispute, the relief sought, and your contact information. We will attempt to resolve the dispute informally within 30 days of receiving your notice.
Binding arbitration.If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service (including questions of arbitrability) shall be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration shall be conducted in English. The arbitrator’s award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Class action waiver.YOU AND OHWOW EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, CONSOLIDATED ARBITRATION, OR REPRESENTATIVE PROCEEDING. All disputes must be brought in each party’s individual capacity and not as a plaintiff or class member in any purported class or representative action.
Exceptions. Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights or misuse of confidential information pending the outcome of arbitration.
Small claims.Either party may bring an individual action in small claims court for disputes within that court’s jurisdiction.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law provisions. To the extent any dispute is not subject to binding arbitration under Section 10, you and ohwow submit to the exclusive personal jurisdiction of the state and federal courts located in Delaware.
12. Changes to These Terms
ohwow reserves the right to modify these Terms at any time. We will provide at least 30 days’ prior written notice of any material changes by email to your registered address and by posting a notice on the Service. Material changes will not apply retroactively to disputes arising before the effective date of the change. Your continued use of the Service after the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service before the effective date.
13. Termination
You may terminate your subscription at any time as described in Section 6. ohwow may suspend or terminate your access to the Service immediately upon notice if you breach any material provision of these Terms, or if ohwow determines, in its reasonable discretion, that continued provision of the Service would expose ohwow or its users to legal, regulatory, or reputational risk. Upon termination, your right to access the Service ceases immediately, and ohwow will delete your data in accordance with the Privacy Policy. Sections 3, 7, 8, 9, 10, and 11 survive termination of these Terms.
14. Miscellaneous
Entire agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and ohwow with respect to the Service and supersede all prior and contemporaneous understandings regarding the same subject matter.
Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
No waiver. Failure by ohwow to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.
Assignment.You may not assign these Terms or any rights or obligations hereunder without ohwow’s prior written consent. ohwow may assign these Terms without restriction.
15. Contact
For questions about these Terms, contact us at legal@ohwow.fun.
For questions about the Service generally, visit ohwow.fun/services.
Effective date: May 5, 2026. Previous versions are available upon request.